Uninsured or Underinsured Person or Company - What is Uninsured/Underinsured Motorist Coverage?

Uninsured or Underinsured Person or Company:
Uninsured Motorist Coverage is insurance coverage to pay you money damages for personal injuries caused by the negligence of another driver who has no insurance at all to pay your injury claim. Underinsured Motorist Coverage is coverage that will pay you in the event that the other driver or owner does have insurance coverage to pay your bodily injury claim, but the amount of coverage that they have is inadequate to fully compensate you for the damages that you suffered in the accident. Your company would pay you above and beyond the amount received from the at fault driver's insurance company up to the full value of your policy limits. What the full value of your claim is depends upon the negotiation process between your lawyer and the insurance company. The better your claim is presented to the insurance company, and the more persuasive your lawyer is, the more money you will receive from your Uninsured Motorist carrier.